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Indriati Amarini
Universitas Muhammadiyah Purwokerto
Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences

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Journal : Jurnal Moral Kemasyarakatan

 1 
Moral Considerations of Students in Taking Online Loans: Between Needs and Desires Wati, Ratna Kartika; Kusbandiah, Ani; Amarini, Indriati
Jurnal Moral Kemasyarakatan Vol 10 No 2 (2025): Volume 10, Nomor 2 - Desember 2025
Publisher : Universitas PGRI Kanjuruhan Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21067/jmk.v10i1.11857

Abstract

This study examines students' morality in decision-making regarding online loans. The purpose of this study is to identify factors that influence students' decisions to take online loans and analyze the role of morality in this process. This study uses a combination of qualitative and quantitative methodologies, aiming to provide deeper insights into the social and economic impacts of online loans on students. Data collection techniques include surveys, in-depth interviews, and case study analysis. In the context of the increasingly widespread phenomenon of online loans, especially among students, this study identifies several factors that influence their decisions to borrow. This study also links its findings to the Theory of Planned Behavior (TPB) and Moral Theory. Individual and collective morality play an important role in decision-making regarding online loans. Collective morality, which includes the norms and values ​​of social groups, also influences online loan decisions. Students' involvement with online loans has a significant impact. In the short-term, students often experience stress and anxiety due to debt pressure. In the long-term, it can disrupt education and create a cycle of poverty.
Co-Authors Attamimi, Zeehan Fuad Cahyadri, Rizky Aulia Elza Suryawan Martioso Fitriah, Nikmah Fitriani, Maulida Ayu Haikal, M. Surya Hidayah, Astika Nurul Ika Ariani Kartini Ika Ariani Kartini Ismail, Noorfajri Kartini, Ika Ariani Kusbandiah, Ani Marsitiningsih, Marsitiningsih Mukarromah, Safitri Nico Setiadi Nikmah Fitriah Nikmah Fitriah Putri, Shafira Rizqyta Amalia Rahtami Susanti Ratna Kartika Wati Ratna Kartikawati Rizky Aulia Cahyadri Saefudin, Yusuf Samhudi, Gamalel Rifqi Soraya, Thalia Firda Tegar Eris Pambudi